Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:15/12/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a fridge and microwave from ****** ********* in Truro Nova Scotia on November 22nd 2021 and purchased under a No interest No payments agreement. My compliant is more with Flexiti financial, with whom this finance was through. I was not told at the time of my purchase about having to pay interest in full if I don't pay off the balance before Nov. 23/2022. Before Nov. 22/2022 I had looked at my invoice to see what my due amount in December would be and it said nothing due in December. I knew the annual date was coming at the 23rd date but did not get the payment to them until the 25th of November (only 2 days after that), which I paid online through my RBC account. I paid what we had owed from my November statement (Amount owing on goods) in full on the 25th of November, thinking it would just pay it off as I was under the impression that once the 12 months is up, interest and payments start then, not having to pay full defered interest payments from the past 12 months. I feel like I was duped, no one pointed this out, no interest no payments until such and such date sounds like it is a grace period, not to have a huge sum at the end, and only 2 days after that. They charge 31.99% interest which is the whole time, again, I thought that was after the 12 month period, which totaling $1,176.78 which is 1/3 of the original amount. When trying to call them today both supervisors I talked to were very rude, trying to ask me to say, I was late on my payment and thats all they wanted me to say. I was trying to reason with them and hope that at least they can help me out a little given that it was only 2 days after that date and I felt duped by not being told that I would owe 1/3 of the cost if it wasn't paid in full by that date. Again, I was under the impression, as I have done before, that it was a grace period (no interest, no payments until this date) and that I would have to pay payments and interest then. Please help and see if there is a way to reduce cost.

  Customer Answer

  Date: 21/12/2022

  They actually reached out today and left a voicemail. I called them back and they said they waived interest charges and I have a zero balance now. Haven’t checked online yet to see if that is the case for my account but I really appreciate bbb stepping up here and sending this concern along. 
  Thanks so much 
  **** 

  **Update**

  It is been adjusted as if December 21st to show a zero balance. I am very happy with this outcome and appreciative of this process. 

  Thanks 

  **** 

• Initial Complaint

  Date:13/12/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I phoned this place one day in November just to check on my balance. I went through the procedure of my birthdate, my address but I couldn’t remember my postal code. This lady on the phone gave me such a hard time about it and told me I needed to send it two pieces of I.D. I was at work so I could not check my mail at home. It appears when I go online to check my balance I have to phone in now. Something pops up on the screen when I try to check my balance. So I phoned in again this time in December to find out my balance. This person on the other end asked if I sent in iD I said “no,” because I know all my information this time. She said, I don’t care you need to send in two pieces of iD. I then told her to close my account, this lady on the other end told me she can only do that when she has two pieces of ID. I told her that is ridiculous if I don’t have a balance then close it. She kept insisting I need two pieces of ID and hung up on me. I just want my account closed with this place. I have never been treated so badly as this place and don’t want any more dealings with them.

  Business Response

  Date: 21/12/2022

  This matter has now been resolved.

  The customer’s account has been closed as of December 21st,2022
  at a balance of $0.00, and an account closure confirmation email has been sent
  to the customer.

  Should the customer have additional questions, they are encouraged
  to contact us directly. We can be reached at 1-************.

• Initial Complaint

  Date:13/12/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have tried to pay off my balance of $1,124.24 in full using my credit card. It will not allow me to do so. I have called Flexiti and informed them I would like to pay my account in full, but will not allow me. As I have other needs for my bank account including rent, food, bills, etc., I don’t have $1,100 to pay using a debit card or my bank which is why I am opting to pay using credit card. If I can not pay using my credit card, I will stop making payments entirely. I should be able to pay MY account with any payment method that I choose. I would like someone to contact me so I can pay my account entirely.

  Customer Answer

  Date: 15/12/2022

  The matter has been deemed resolved.
  
  Kind regards,
  ***** *********

• Initial Complaint

  Date:13/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  purchased a new stove got a do not pay for 16 months a month later i started getting billed immediately called the at flexiti said it was not a do not pay .. So i called ***** talked to the sales lady she showed me that i indeed did i have the original copy of receipt .She called flexiti and the problem was resolved...but now its happend again showing 5 payments behind i call again and the guy said oh i see a note on your file nov 22 he said we will remove that well its still there and my credit score according to ****** ***** started at 720 and today its below 500 ive done nothing wrong and paying a huge price for very poor customer service pls help

  Business Response

  Date: 23/12/2022

  We have reviewed the customer’s account in full.

  It appears the
  customer was in contact with our customer service team on 11/24/2022 and any
  previous interest charged to the customer was adjusted. Additionally, on
  11/24/2022, a ticket was created to ensure the customer’s account and
  delinquency is reset. Once the ticket has been reviewed and actioned, any
  adjustments that are made will reflect on the customer’s statement.

  If the customer has additional concerns regarding their account,
  they can contact us directly. We can be reached, at 1-************.

• Initial Complaint

  Date:13/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Flexiti started charging me interest without advising me. I received no email stating I would be getting charged interest. There is no mention online, in their email or invoice what the interest rate is.
  
  I always over paid despite having missed 2 payments.

  Business Response

  Date: 21/12/2022

  We have fully reviewed the
  customer's account.

  The customer made a purchase on a 24-month Equal Monthly
  Payment plan. With Equal Monthly Payment plans, customers are required to make
  the minimum monthly payment during their payment window each month to keep the
  promotion and account in good standing.

  Customers are sent monthly
  statement reminders to the email on file advising them that their statement has
  been released and prompts them to login to the online customer portal to view
  it. The statement includes the minimum monthly payment amount and its due date.

  The customer missed their payment
  with a due date of February 28th, 2022, in which payment had to be
  received between the dates of February 7th,2022 and February 28th,
  2022, to align with their billing cycle.
  The customer also missed their
  payment with a due date of July 26th, 2022, in which payment had to
  be received between the dates of July 5th, 2022, and July 26th,2022
  to align with their billing cycle.

  When a customer misses or short-pays two payments within 12
  months, Flexiti has the right to cancel any promotional offers. At the end of
  each statement and included within the terms of the Cardholder agreement, it is
  noted that if we do not receive the required payment under a Promotional Offer
  by the Balance Due Date in effect, we may, at our option, cancel one or more
  Promotional Offers applicable to the Account, effective on the date such
  default occurred. If we cancel a Promotional Offer applicable to the Account,
  any amount payable under an unexpired Promotional Offer will immediately become
  an interest-bearing amount and in all other respects shall be treated as a
  Regular Credit Purchase in accordance with the terms of the Agreement.

  If there are any additional questions, we would be happy to help.
  We can be reached at 1-************.

  Customer Answer

  Date: 21/12/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  The emails I received from Flexiti all stated "votre taux d’intérêt annuel POURRAIT être augmenté." 

  The word "pourrait" means "might". There is no mention of a definite increase. Using this term shows that flexiti has some flexibility and may work not. 

  II always over paid what was requested as a monthly minimum. I do not find this solution to be fair. 

  
  Sincerely,
  
  ********* *******

• Initial Complaint

  Date:06/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello I bought some furniture from *** ***** store. Promotion was without interest via the finance company Flexiti. I sent 12 equal monthly checks to clear everything. Last March, I decided to pay the balance of the account in total and close the account. Since then, flexiti has continued to cash the balance of checks (a stop payment was issued on the balance of checks). Flexiti has been cashing checks every month since March and charging $40 in nsf fees while the balance is at $0 and it accumulates every month. I have communicated several times and each time does not solve the problem. I receive email collection warnings every month to pay these accumulating fees. This is getting harassing and I need you to put pressure on them to rectify everything. I no longer have access to my account to print transactions since last March.
  If you need more informations i ll be Withmy son . He s better than me in english

  Business Response

  Date: 15/12/2022

  We have fully reviewed the customer’s account.

  The customer sent in multiple post-dated cheques that were deposited accordingly. Flexiti received multiple bank notices for payment returns and was subsequently charged a non-sufficient fee by the bank for each notice. The customer’s cheque payments were then reversed, and the non-sufficient funds fees were charged to the customer’s account.

  As stated on page 1 of the customer’s cardholder agreement, “non-sufficient funds fee: $49.99 for each cheque or other instrument used to pay your Account that is dishonoured by the financial institution on which it is drawn (this charge is in addition to any non-sufficient funds service fee charged by the financial institution).”

  If the customer has additional concerns regarding their account, they can contact us directly. We can be reached, at 1-*************

• Initial Complaint

  Date:05/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We purchased a mattress from *** ***** in May 2021 with no interest or payments for 12 months. We made a subsequent purchase of $840, which we paid in full ($840) shortly after (payment applied 10 days after purchase). Several months later I started receiving overdue payment notices. When I called to inquire, I was told that they did not allocate the $840 to the $840 charge, but to the mattress purchase. As such the $840 is showing as overdue and we’ve been charged $120 in penalties and interest. I asked them to reverse and allocate the $840 to the charge of the same amount, and was told they will open a ticket and try but there is no guarantee they’ll be willing to reallocate the money despite where it was obviously intended to go. I now have to wait three weeks to hear back from head office and I’m still being charged interest in the meantime.
  
  Shortly after I had this call with the Flexiti office, I logged on to their online portal, and saw a pop up come up which I clicked on by accident and with ONE ACCIDENTAL CLICK I have now been signed up for some sort of insurance coverage that I did not want! I called them back and was told that to cancel I need to call the insurance company who is only open M-F. The rep I spoke to agreed that it is way too easy to accidentally with one click sign up for an insurance policy. Flexiti is using ********* *** ********* business practices which are intended to trick or confuse customers - it’s easy for them to take your money and hard to undo things.
  
  I want Flexiti to reallocate the $840 to the purchase it was intended for, remove all penalties and interest, and remove the pop up which tricks people with one errant click to sign up for an unwanted insurance policy.

  Business Response

  Date: 15/12/2022

  We have fully reviewed the customer's account. On 12/03/2022, the
  customer contacted our customer service department to discuss their payment
  allocation concerns. A ticket was created to have the customers payments
  re-allocated and to address the additional charges on their account. The ticket
  should be reviewed and actioned before the customer’s next cycle and any
  necessary adjustments will be made. 

  In regard to the payment ******** insurance, the customer signed
  up for a payment protection with *** (*********** *********) through their
  online portal.
  The customer was sent an email on December 3rd,2022
  confirming the insurance and the details of the insurance. The email presented
  the following information:

  The ****** ******** Coverage took effect 12/03/2022. Premiums for
  the ****** ******** program will be conveniently billed each month and can be
  found on your monthly Flexiti statement.
  You have a 30-day risk free period. Should you wish to cancel in
  the first 30 days, your first month premium will be refunded to your Flexiti
  account. By enrolling in the optional plan, coverage is immediate and may be
  cancelled at any time by providing notice to ***** ****** Insurance at
  1-************. Upon receipt of the certificate, if you do not wish to continue
  with this insurance, contact *** in writing to cancel by faxing 1-************.

  Flexiti does not receive the premiums as the Payment ********
  insurance is dealt by a third party, ***. Should the customer wish to discuss
  the insurance further, they are encouraged to reach out to *** directly.

  Should the customer wish to follow up with us, the customer can
  contact us, and we would be happy to help. We can be reached, at
  1-************. 

  Customer Answer

  Date: 15/12/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because it does not address my concerns, which are:

  1) Their allocation practices make no logical sense. When a charge is incurred and then paid immediately it is completely inappropriate to allocate the funds elsewhere and then begin to charge interest and penalties, and then have customer service who is unable to help. Having to wait weeks for a reply and have no idea whether or not the charges will be removed (their response was extremely vague “if necessary”) is not acceptable. I made a purchase and paid it immediately, and I insist upon all penalties and interest being removed. Nothing else will be a satisfactory response. 
  

  2) To say that I “signed up” for that insurance policy is a total farce. They have taken advantage of having all my information on file and use it to allow one errant click to equal signing up for an insurance policy. There wasn’t even a confirmation box, just one pop up (which looks like an “accept cookies” box), and with one click of the wrong box I was signed up for an insurance policy I absolutely did not understand or consent to in any meaningful way. I want them to change this pop up to ensure that there is some sort of confirmation opportunity. No one should be able to accidentally with one click sign up for an insurance policy without providing informed consent!

  
  Sincerely,
  
  
  
  ******* *********

  Business Response

  Date: 23/12/2022

  We have attempted to reach the customer directly to further discuss
  their concerns and to further explain the ticket created on their account. We
  can also confirm the payment ******** insurance on the customer’s account was cancelled
  as of 12/22/2022.

  The customer is encouraged to contact us directly at ********************@*******.com with their preferred time for a scheduled phone call. 

  Customer Answer

  Date: 27/12/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because Flexiti is ***** when they say they have reached out to me, I have received no contact from them. My account is still showing all of the penalties and interest. And they have not addressed their “**** *******” pop up which is intended to deceive users into purchasing unwanted policies. * **** ******** *** ********* ********** ** **** ******** ***** *** ******* ** ********** ** ***** ******* **** ******* ** *** ***** ********* ******. I will be satisfied once all interest and penalties are removed from my account, and Flexiti has removed their **** ******* insurance policy sign up pop-up. My next step will be to call the tip line and report Flexiti for use of **** ******* practices (***********************)
  
  
  
  Sincerely,
  
  
  
  ******* *********

  Business Response

  Date: 13/01/2023

  A dedicated case manager has been assigned to this customer and
  was able to connect with them on 01/12/2022. We were able to confirm that they
  were not charged for the payment protection plan, and that it has been
  cancelled. We were also able to clarify that the interest on their account was
  adjusted.

  If the customer has additional questions regarding their account,
  they can contact us directly. We can be reached, at 1-************.

• Initial Complaint

  Date:02/12/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello,
  I've gotten a card with flexiti for a while now. After checking my credit reports today, I found none of the past months have been reported to the credit bureaus ********** or *******. This is problematic because my total credit available should be higher since I have a $1000 limit with flexiti and it's impacting my score that it's not reported.
  Please help and thank you.

  Business Response

  Date: 09/12/2022

  We have reviewed the customer’s account.

  The customer applied for a Flexiti card on 05/20/2022. When an application is submitted, it is reported to the customer’s credit bureau.

  The customer may not see payments made to their Flexiti account on their credit report, however, a failure to make payments when due may be reported to the credit bureaus. To date, the customer has no transactions or purchases on their account.

  Should the customer have further questions, they can contact us directly and we would be happy to help. We can be reached, at 1-************.

  Customer Answer

  Date: 09/12/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  The fact that my available credit limit is not reported and thus not included on my credit mix by the credit bureaus significantly impacts my credit utilisation and thus my credit score is affected negatively. The expectation is that Flexiti must report my credit activities with the bureaus and not just missed payments, which I haven’t had.

  
  Sincerely,
  
  
  
  *** *******

  Business Response

  Date: 23/12/2022

  We have been attempting to reach the customer to further discuss
  their concerns. A voicemail was left advising the customer to email us at their
  earliest convenience to schedule a phone call.

  Should the customer wish to follow up they can contact us, and we
  would be happy to help. We can be reached, at 1-************.

  Customer Answer

  Date: 23/12/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I did not receive any phone calls and no voicemail was left in my inbox.
  
  Sincerely,
  
  
  
  *** *******

  Business Response

  Date: 13/01/2023

  This matter has been resolved as of 01/12/2022. We were able to
  contact the customer to further discuss their account and their concerns.

  If the customer has additional questions regarding their account,
  they can contact us directly. We can be reached, at 1-************.

  Customer Answer

  Date: 17/01/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  *** *******

• Initial Complaint

  Date:30/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have no contract or any knowledge of Flexiti financial....all of a sudden I have received a piece of mail that says I am overdue on my account!! What account????
  I have tried multiple times to speak to someone, but there is no way to contact them, where anybody ever gets back to me. * ***** ****!!!!

  Business Response

  Date: 09/12/2022

  We have reviewed the customer’s account.

  The customer applied for a Flexiti ******* card on 02/20/2022, and a regular credit purchase was made in the amount of $108.46 on 07/04/2022.

  At the time of account creation, customers are sent a Welcome email providing their 16-digit card number, and their Flexiti cardholder agreement. Customers are also sent monthly statement reminders to the email on file advising them that their statement has been released and prompts them to login to the online customer portal to view it.

  Should the customer wish to follow up they can contact us, and we would be happy to help. We can be reached, at 1-************.

• Initial Complaint

  Date:30/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Between Nov 29 2021 to December 21, 2022 I made multiple purchases from ******** all purchases during that period were 12 Month Equal Installment, NO INTEREST plans. On February 16, 2022, I received Covid Relief temporarily waiving the requirement to pay the minimum payment for 3months. On May 3, 2022, I received an email for Financial Relief Completion but before this date, I had earlier on at the start of April 2022 called in to do my due diligence by confirming when the relief was to expire and what my next payment due date was to resume. An Agent (Name withheld) assured me I should look out for my May 18, 2022 Statement of high will give me a payment due date for June 8, 2022. I made sure to get her assurances and her name. I noted this down to avoid this same situation now. Next month I got charged high interest on allegations I missed a payment, I strongly challenged this and quoted the Agent I spoke to. They told me they reversed the interest they had applied to my account and my plan was back to the equal monthly installments without interest. However now reviewing my statement, they simply removed charging me ongoing interest but never adjusted my account to refund back interest I had paid. Fast forward, September statement bal on account was $2634.08, on October 21, 2022, I diligently paid $2000 yet the installment payment was only $426.93 due Nov 7, 2022. Now the October statement requires me to pay $607.69 by December 7,2022. This is not only wrong is a breach of the contact. The same October statement shows 3 payments due Nov 30= $72.56, Dec 1= $125.24 and Dec 1= $316.38. Two other payments are due Dec 15= $88.99 and Dec 21= $4.52. Ideally I’d expect the October Statement to require me to pay highest amount $514.18 going by the plan; but no sir, when I as a diligent borrower paid Flexiti a bigger amount than my installment they are now making assumptions and demanding I pay $607.69 or pay interest yet I still have payment due dates for December 15 and 21. THIS IS WRONG!!!!

  Business Response

  Date: 09/12/2022

  We have fully reviewed the customer's account and have been in contact with the customer to clarify their most recent statement.

  The customer has multiples purchases that were made on a 12-month Equal Monthly Payment plan. With Equal Monthly Payment plans, each promotion has a minimum monthly payment that the customer is required to make during their payment window to keep the promotion and account in good standing.

  Customers are sent monthly statement reminders to the email on file advising them that their statement has been released and prompts them to login to the online customer portal to view it. The statement includes the total minimum monthly payment amount and its due date. The minimum monthly payment displayed on the customer’s statement is the sum of the amounts due for each promotion.

  Additionally, any interest that had been charged to the customer’s account was waived on 07/26/2022. There have been no additional interest charges to date.

  If the customer continues to have questions regarding their account, they are encouraged to contact us directly, and we would be happy to help. We can be reached, at 1-877-259-3745.

  Customer Answer

  Date: 09/12/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: the Agent that called me only shouted over my head, never gave me an opportunity to speak, she kept talking and I asked her time and time again please give me a chance to express my self but she just kept talking over me and forcing me to accept her terms. I am not a robot, I had a 12months prepayment plan and 2 purchase/payments are due Dec 15 and 21 and I wanted to ask her if I make payments on those due dates and not their statement due date which is Dec 7, will I be charged interest or not cause the statement installment date required if me contravenes the prepayment plan due dates. She simply never let me speak, I asked her what’s the purpose of your call if you simply called to ask me to listen to you. She made wrong statements at the beginning of the call and when I reckoned the error and the statement dictates she recalled that and just kept shouting. Flexiti Financial, is this your kind of Customer Care/Client Relations service and is this sort your ideal nature of Agent to resolve issues. I thought I’d get better but clearly no one reads or knows what’s in their system, all the agents have and give different information and accounts/records. I am so disappointed to say the least and am even more determined to raise this with regulators and sundry???? 
  
  
  
  Sincerely,
  
  
  
  ********* *******